The standard wording of the employers liability coverage (part two of the policy) include numerous conditions that must be satisfied in order for coverage to apply.

Even if workers compensation coverage is compulsory and the categories of employment are covered by state law, an employer has the option of using employers liability to respond to the four types of legal actions an employee can take:

Damages resulting from the manufacturers "action over" against the employer would be paid under the employers liability coverage.

In addition, the family of the injured employee can bring an action against the employer for emotional damages, to which the employers liability coverage would also respond.

Given that the price hikes seen between 2001 and 2003 were deemed necessary for the profitability of the employers liability sector, and given that the sector had still not returned a positive underwriting result when the price increases came to a halt in 2004, the softening of rates in 2005 is clearly not sustainable.

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